E-commerce faces a persistent structural challenge: on average, 70% of shopping carts are abandoned before the transaction is completed. For e-commerce sites and retailers, integrating financial services into the shopping experience is now a key conversion lever for capturing this latent demand.
Modern commerce requires a seamless, omnichannel experience that can adapt to new behaviors: split payments, loyalty wallets and complex marketplace management. Marketplaces, in particular, must orchestrate secure financial flows between buyers and third-party sellers while ensuring strict regulatory compliance.
Treezor, the European leader in Banking-as-a-Service (BaaS), enables retail and e-commerce players to become players in the payment value chain, transforming each transaction into an opportunity for loyalty and growth.
E-commerce Performance and Customer Loyalty
A smooth checkout process is the primary driver of growth. Treezor enables the integration of contextual payment solutions that secure sales.
Project challenges |
Treezor solutions |
Benefits for you |
| High abandonment rate |
Tokenization of payment data to enable secure one-click payments (compliant with PSD2 and 3DS regulations). |
Increased conversion by eliminating repetitive input steps for regular customers. |
| Refund management |
Automation of return and refund flows via dedicated payment accounts and instant transfers. |
Customer satisfaction: fast and transparent refund processes, essential for brand reputation. |
| International sales |
Currency acquisition and collection solutions to process local and foreign transactions. |
Simplify geographic expansion and optimize international transaction fees. |
For marketplaces & platforms: Master the complexity of third-party flows
Marketplaces need to rely on a payment partner authorized to collect on behalf of third parties to orchestrate transactions between buyers, sellers and the platform within a strict regulatory framework.
Project challenges |
Treezor solutions |
Benefits for you |
| Collection on behalf of third parties |
Use Treezor’s Electronic Money Institution (EMI) license to operate legally. |
Native compliance: you operate your marketplace without having to obtain your own banking license.
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| Merchant security |
Allocation of dedicated IBANs for each seller to segregate funds.
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Transparency of account flows and balances per customer.
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| Protection of customer funds |
Funds held in a bank account.
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Protection of customer funds in the event of payment platform failure.
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| Seller verification (KYB) |
Automated merchant onboarding process (identity and structure verification). |
Fast online activation: accelerated merchant onboarding while delegating AML/CFT compliance.
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| Payment distribution (split) |
Orchestration of fund sharing between the platform commission and seller revenue. |
Automation: elimination of manual interventions for calculating and paying out earnings.
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Security, Fraud and Loyalty-building
Treezor’s services protect revenue while creating a lasting relationship with the end customer.
Project challenges |
Treezor’s solutions |
Benefits for you |
| Payment fraud risks |
Implementation of PSD2 (3DS) protocols and detection tools based on Treezor’s infrastructure. |
Secure transactions and reduce unpaid bills while maintaining a smooth customer experience. |
| Customer retention |
Issuance of loyalty cards or gift cards. |
Enhanced retention: customers accumulate benefits that can be used in the partner environment. |
Transforming payment into a profit center
Partnering with Treezor allows retailers and platform operators to break free from generic payment solutions and create a tailor-made financial ecosystem:
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Develop revenue: Improve the user experience to increase payment conversion, customer loyalty, and develop new revenue streams with card issuance.
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Integrated solution: Centralize acquisition, issuance, accounts and KYC via a single platform integrated into your interface.
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European compliance and scalability: Deploy your sales model or marketplace in Europe in compliance with regulations and thanks to the license passport.
